CLI for JC Penney!!!

[p-]

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@webhopper wrote:

Thanks for the advice!

What sort of behavior does a bank like in order to give out CLI's? Seems like I've never gotten very many. 

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For most, it's use the card a lot, but don't carry a balance, and have a clean report.  If they like your charge patterns, i.e. you make them money on transaction fees, you have a good chance.

[webhopper]

Oh wow,

I thought they liked you to carry a balance over like 3 months and then pay it off in one fell swoop. Learning something new Thanks!

[LS2982]

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@webhopper wrote:

Oh wow,

I thought they liked you to carry a balance over like 3 months and then pay it off in one fell swoop. Learning something new Thanks!

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Never carry balances with retail cards, interest rate is skyhigh. Good payment history/usage, and clean reports will earn you CLI's.

[CS800]

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@LS2982 wrote:

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@webhopper wrote:

Oh wow,

I thought they liked you to carry a balance over like 3 months and then pay it off in one fell swoop. Learning something new Thanks!

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Never carry balances with retail cards, interest rate is skyhigh. Good payment history/usage, and clean reports will earn you CLI's.

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The 25.99 % APR's yikes !!

Seeing all these CLI's lately is making me jealous

[LS2982]

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@CS800 wrote:

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@LS2982 wrote:

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@webhopper wrote:

Oh wow,

I thought they liked you to carry a balance over like 3 months and then pay it off in one fell swoop. Learning something new Thanks!

---

Never carry balances with retail cards, interest rate is skyhigh. Good payment history/usage, and clean reports will earn you CLI's.

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The 25.99 % APR's yikes !!

Seeing all these CLI's lately is making me jealous

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I want to see ANY CLI from GE111

[CS800]

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@Creditaddict wrote:

2 Things:

1. Depending how long it has been inactive a CL of $124 from GE means it's been decreased for no other reason then non use and you can usually call and have the original CL put back in place "because you want to start spending money again!"

2. You do not need to roll ANY balance over to next month and pay interest on eit, you just need to have a balance at the time your statement was posted of less than 9% of your CL and then pay in full when it arrives, that will give you the update to credit showing you use the card very well!

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Good to know